CEN TEX MANUFACTURING
Charter #67602 · Brownwood, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 21.47% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.58% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.45% sits at the 92nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 67.30% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 22nd percentile but its structural peers at the 52nd — a 30-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CEN TEX MANUFACTURING | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $15.45M | 22th pct | 52th pct |
| Members | 1,279 | 16th pct | 28th pct |
| Net worth ratio | 21.47% | 89th pct | 82th pct |
| Return on average assets | 0.81% | 58th pct | 52th pct |
| Net interest margin | 4.60% | 81th pct | 67th pct |
| Cost of funds | 1.23% | 68th pct | 59th pct |
| Loan-to-share | 71.74% | 72th pct | 54th pct |
| Delinquency 60+ days | 1.58% | 79th pct | 77th pct |
| Net charge-off ratio | 1.45% | 91th pct | 92th pct |
| Loan growth YoY | -5.21% | 29th pct | 26th pct |
| Share growth YoY | -4.23% | 5th pct | 3th pct |
| Efficiency ratio | 67.30% | 21th pct | 18th pct |
structural peer set hash: 7679e335175c06d94c489e2828742f70… (reproducible)
Closest structural peers
This is the free public view
Claim CEN TEX MANUFACTURING
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.